Downton and Ali Associates – Private Clients - Protection - Critical Illness ProtectionCritical Illness Protection

Most people appreciate the need for life insurance to protect loved ones in the event of their death. However, people are now living longer and recovering after suffering from a very serious illness. This means life insurance policies continue but you do not receive any money for staying alive.

The financial implications can be detrimental after suffering a critical illness. You may have to adjust your whole lifestyle to help you during the recovery period. This could involve giving up your job, moving home and even receiving private medical treatment or assistance. All of which are not cheap.

Downton & Ali Associates specialise in critical illness plans. Should you be diagnosed with a qualifying serious illness and survive for a minimum period, you will receive a lump sum payment. This money can be used to repay debts, pay for life changing adjustments or just replace the income you may have lost through being ill.

For further information, please complete the enquiry form or contact our office on 020 8980 1989. One of our professional consultants will be happy to deal with your enquiry, or arrange an appointment at your convenience.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a broker fee of a maximum of £495 or 0.5% of the loan amount, whichever is higher, normally payable on application. Typically this will be £495.

If we charge you a fee and your mortgage does not go ahead you will receive:

A full refund if we cannot find a lender who will accept your application because of your personal circumstances.

A refund of 50% of the fee taken if the purchase falls through or you decide not to proceed before an offer is issued.

No refund if you decide not to proceed after an offer is issued.

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